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Last Updated: 04/18/2025

Journey Federal CU Fixed Rate Home Equity Loan

in Home Equity Loans from Journey Federal Credit Union

Last Updated: 04/18/2025

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Credit Score Range

N/A

Amount Range

Up to $200,000

Maximum LTV

N/A

Loan Term (Years)

Up to 15
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Journey Federal CU Fixed Rate Home Equity Loan Review

Journey Federal CU Fixed Rate Home Equity Loan is offered by Journey Federal Credit Union (NMLS #665895), a credit union founded in 1972 and based in Saint Johns, MI. Journey Federal CU Fixed Rate Home Equity Loan are available in 50 states and Washington, DC.

Key Takeaways

  • Investment and personal use properties considered. Financing available for primary homes, vacation homes, and even investment homes, such as rental properties.
  • Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage early.

Journey Federal CU Fixed Rate Home Equity Loan Pros & Cons

Journey Federal CU Fixed Rate Home Equity Loan FAQ

How much can you borrow with a Journey Federal CU Fixed Rate Home Equity Loan home equity loan?

A home equity loan allows homeowners to borrow money using their home as collateral (similar to a mortgage). Loan amounts vary depending on the value of the home minus the balance of any mortgages or liens on the property.
Journey Federal CU Fixed Rate Home Equity Loan allows borrowers to apply for home equity loans of up to $200,000. The actual maximum loan amount will vary depending on the value of the property, how much you owe on it, and your creditworthiness.
Typically, borrowers with good credit can qualify for up to 85 percent of the value of the property less the balance on their first mortgage.
Generally, the APRs of home equity loans do not include points and financing charges, just the interest rate.

What fees does Journey Federal CU Fixed Rate Home Equity Loan charge for a home equity loan?

Journey Federal CU Fixed Rate Home Equity Loan may charge a loan origination fee

What types of property can you use as security for a home equity loan with Journey Federal CU Fixed Rate Home Equity Loan?

Lenders often have restrictions on the type of properties they will accept as security for a home equity loan. Journey Federal CU Fixed Rate Home Equity Loan will consider loans secured by the following property types:
  • Primary home.
  • Secondary homes and vacation properties.
  • Investment properties and house flipping projects.

Is Journey Federal Credit Union a legit company?

Journey Federal Credit Union was founded in 1972, it is a well-established company that has been in business for 54 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

1200 Zeeb Dr
Saint Johns, MI 48879
(989) 227-3700
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Email Support

Hours of Operation

Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
9:00AM - 12:00PM

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